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How to Check Mutual Fund Returns — Complete Guide

How to check MF returns, XIRR, CAGR, absolute returns — a complete guide.

Published by The Retail Trader · AUG 09, 2026 · Features

How to check MF returns, XIRR, CAGR, absolute returns — a complete guide.

How Do You Check MF Returns?

Method 1: Broker App:
• Groww/Zerodha show returns in the portfolio section
• 1Y, 3Y and 5Y returns are shown

Method 2: Value Research:
• valueresearchonline.com
• Search for the fund → Returns tab

Method 3: Moneycontrol:
• moneycontrol.com
• Mutual fund section → Fund page → Returns

Method 4: AMFI:
• amfiindia.com
• Official NAV and returns data

Returns Types

Keep these three points in mind:
• Absolute — Formula: (Current - Invested) / Invested, Use Case: Lump sum
• CAGR — Formula: (Current/Invested)^(1/years) - 1, Use Case: Lump sum (annual)
• XIRR — Formula: Time-weighted return, Use Case: SIP (multiple investments)

XIRR vs CAGR

Keep these four points in mind:
• Best for — XIRR: SIP, CAGR: Lump sum
• Accounts for — XIRR: Timing of each investment, CAGR: Start and end only
• Accuracy — XIRR: High for SIP, CAGR: High for lump sum
• Example — XIRR: SIP 3 years → XIRR, CAGR: ₹10L invested 5 years → CAGR

What's Good Returns?

Keep these four points in mind:
• Large Cap — Good Returns (5Y): > 14%, Average: 10-14%, Poor: < 10%
• Mid Cap — Good Returns (5Y): > 16%, Average: 12-16%, Poor: < 12%
• Small Cap — Good Returns (5Y): > 18%, Average: 14-18%, Poor: < 14%
• Index Fund — Good Returns (5Y): > 13%, Average: 11-13%, Poor: < 11%

Cheat Sheet

Keep these points in mind:
• 📌 MF RETURNS CHECK
• WHERE TO CHECK:
• 📊 Broker app (Groww/Zerodha)
• 📊 Value Research
• 📊 Moneycontrol
• 📊 AMFI
• RETURNS TYPES:
• 📊 Absolute — (Current - Invested) / Invested
• 📊 CAGR — Annual return (lump sum)
• 📊 XIRR — Time-weighted return (SIP)
• GOOD RETURNS (5Y):
• 📊 Large Cap: > 14%
• 📊 Mid Cap: > 16%
• 📊 Small Cap: > 18%
• 📊 Index Fund: > 13%
• XIRR vs CAGR:
• 📊 XIRR → SIP investors
• 📊 CAGR → Lump sum investors

The Retail Trader — educational market analysis. Not investment advice.

This article is educational only — it is not a buy or sell recommendation, makes no claim of guaranteed returns, and is not advisory. Rules, rates and mechanics of the exchanges, SEBI and RBI change from time to time, so verify every number yourself with your broker or an official source.

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